RBL Bank offers a range of credit cards, each with unique features and benefits. However, there may come a time when you decide that closing your RBL credit card is the best option—whether due to high annual fees, inactivity, or simply because you no longer need it. This guide will walk you through the process of how to close your RBL credit card, both online and offline, while also outlining key considerations to keep in mind.
Table of Contents
Things to Consider Before Cancelling Your RBL Credit Card
Before you proceed with closing your RBL credit card, it’s crucial to consider a few important factors:
- Impact on Credit Score: Cancelling a credit card may lead to a dip in your credit score. Your credit history length will also shorten, which could affect future credit applications.
- Redeem Reward Points: Make sure to redeem any accumulated reward points before proceeding with cancellation, as these points will be forfeited after the card is closed.
- Clear Outstanding Dues: Any unpaid bills or outstanding balances must be settled before closing the card to avoid complications.
Methods to Cancel RBL Credit Card
You can cancel your RBL Bank credit card through several methods, both online and offline. Below are the different options:
1. Cancel RBL Credit Card via Email
Cancelling your RBL credit card via email is a straightforward process. Simply send an email to the appropriate address, based on your card type:
- For SuperCard: Email at supercardservice@rblbank.com
- For Other Cards: Email at cardservices@rblbank.com
Make sure to include the following details in your email:
- Name
- Credit Card Number
- Date of Birth
- Expiry Date of the Card
This method is quick and ensures that you have a written record of your request for future reference.
2. Contact RBL Credit Card Customer Care
Another convenient way to close your RBL credit card is by contacting customer care. Depending on the type of card you hold, you can reach out to one of the following numbers:
- SuperCard: +91 22 7119 0900
- Other Cards: +91 22 6232 7777 or 1800 121 9050
When you contact customer service, provide your card details, and they will process the cancellation request.
Information in Table format
| Section | Details | Real-Life Example |
|---|---|---|
| Things to Consider Before Cancelling Your RBL Credit Card | ||
| Impact on Credit Score | Cancelling a credit card may lead to a drop in your credit score. Your credit history length will also shorten, potentially affecting future credit applications. | A customer cancels their RBL credit card and notices a slight drop in their credit score within a month. |
| Redeem Reward Points | Ensure that all accumulated reward points are redeemed before the card is closed, as they will be forfeited once the card is cancelled. | A cardholder with 10,000 reward points redeems them for gift vouchers before closing their card. |
| Clear Outstanding Dues | Any outstanding balances or unpaid bills must be settled before cancelling the credit card to avoid complications. | A user makes a final payment on their credit card bill before proceeding with the cancellation process. |
| Methods to Cancel RBL Credit Card | ||
| 1. Cancel RBL Credit Card via Email | Send an email to the relevant address based on your card type. – SuperCard: supercardservice@rblbank.com – Other Cards: cardservices@rblbank.com Include your name, credit card number, date of birth, and expiry date. | A user sends an email to close their RBL SuperCard, providing the necessary details and receives confirmation within a few days. |
| 2. Contact RBL Credit Card Customer Care | Contact customer care at the relevant number: – SuperCard: +91 22 7119 0900 – Other Cards: +91 22 6232 7777 / 1800 121 9050 Provide your card details for processing. | A customer calls RBL’s customer care and speaks with an executive to close their SuperCard. |
| 3. Visit an RBL Bank Branch | Visit the nearest RBL Bank branch and submit a request for card closure along with proof of identity. | A person visits an RBL Bank branch with their ID and submits a form to cancel their credit card. |
| What Happens After You Cancel Your RBL Credit Card? | ||
| Cut the Card | Once your card is cancelled, cut it diagonally to prevent any misuse. | A user cuts their RBL credit card in half after receiving confirmation of cancellation. |
| Check Your Credit Report | Monitor your credit report to ensure the card cancellation has been updated and your credit score is intact. | A person checks their credit report online after 30 days and sees the card closure reflected. |
| FAQs on How to Close RBL Credit Card | ||
| 1. Can I Redeem My Reward Points Before Cancelling? | Yes, you can redeem any reward points before starting the cancellation process. | A user redeems their points for airline miles before emailing RBL to cancel their credit card. |
| 2. Can RBL Bank Cancel My Credit Card Without My Request? | Yes, RBL Bank can cancel a credit card due to inactivity or non-payment of dues. | An inactive RBL credit card was cancelled automatically after 12 months of no usage by the bank. |
| 3. Should I Clear Outstanding Dues Before Cancelling? | Yes, all outstanding dues must be paid before the cancellation process can be completed. | A customer clears their final balance and proceeds with closing their RBL credit card. |
| Conclusion | Closing an RBL credit card is simple and can be done via email, phone, or by visiting a branch. Remember to redeem rewards and clear dues before cancellation. | A customer emails RBL Bank, clears their outstanding balance, redeems points, and cancels their card smoothly within a week. |
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3. Visit an RBL Bank Branch
For those who prefer handling things in person, visiting the nearest RBL Bank branch is an option. You will need to submit an application for card closure along with proof of identity. The bank representative will guide you through the process, ensuring that your card is deactivated and closed without any issues.
What Happens After You Cancel Your RBL Credit Card?
Once your RBL credit card has been successfully closed, the bank will notify you via email or SMS. It’s important to follow these additional steps after cancellation:
- Cut the Card: Make sure to cut the physical card diagonally so that it can’t be misused by anyone.
- Check Your Credit Report: It’s always a good idea to monitor your credit report after the cancellation to ensure that the card closure has been correctly updated.
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FAQs on How to Close RBL Credit Card
1. Can I Redeem My Reward Points Before Cancelling the Credit Card?
Yes, you can—and should—redeem any reward points before initiating the cancellation process. Once the card is closed, all unredeemed points will be forfeited.
2. Can RBL Bank Cancel My Credit Card Without My Request?
Yes, in certain cases such as card inactivity or non-payment of dues, RBL Bank reserves the right to cancel the credit card without prior request from the cardholder.
3. Should I Clear Outstanding Dues Before Cancelling My RBL Credit Card?
Absolutely. All outstanding payments and dues must be cleared before the card cancellation process can be completed.
Conclusion
Closing your RBL credit card is a simple process that can be done online via email, through customer care, or by visiting an RBL Bank branch. While the process is easy, make sure to consider the impact on your credit score and redeem any rewards before proceeding. Always ensure that all outstanding payments are cleared, and remember to cut your card after deactivation to prevent any misuse. By following the steps outlined in this guide, you can cancel your RBL credit card smoothly and efficiently.